Everyone may have noticed when using credit cards. Cashiers often ask you-do you need to enter a password? This is a problem that every cardholder has encountered, so which is more suitable, password or signature? Based on the characteristics of issuing credit cards by banks in Heyuan area and the current credit card environment, the author analyzes and compares these two ways. Let's talk about the case where you only need to sign and don't need to enter a password. At present, Heyuan's credit card environment is relatively relaxed. When cardholders swipe their cards, most cashiers don't check their signatures carefully. In other words, it is not feasible to take signature as the most important barrier to authentication. As a cashier, when checking the signature, it is limited to "formal" verification, that is, if the name on the card is "Zhang San", as long as the customer signs "Zhang San" (not "Li Si"), the cashier will recognize this signature. Because Chinese signatures are easy to imitate, and cashiers do not have the professional skills of handwriting identification, their obligation is only to check whether the fonts of signatures are "obviously different", which has been confirmed by judicial organs in the trial of several credit card embezzlement cases in China. At present, some banks in Heyuan (such as Guangfa Bank) have launched the "lost card protection" service, promising that under certain conditions, cardholders can bear the loss of stolen cards within 48 hours before reporting the loss. This is certainly an improvement. However, we can't simply think that with the "lost card protection", we can "sit back and relax". Because the "lost card protection" has certain conditions, such as the definitions of "stolen card" and "stolen card" (if the card is not stolen, but swiped after being robbed, it is not "stolen card", and you can't get the "lost card protection" if you know that the card is lost and you don't apply for stopping payment in time). Secondly, the "lost card protection" is limited. In addition, if the card is lost and stolen, the cardholder cannot deny the objective fact of "failing to fulfill the obligation of safe and proper custody" in court, so it is difficult for customers to expect merchants or banks to bear all the stolen losses. In other words, under the current credit card environment in Heyuan, it is not safe enough for credit cards to consume only by signature. In addition, you must enter the password when swiping the card. Is it appropriate to use passwords completely? I don't think it's that simple. First of all, if you have to enter a password for pen consumption, it will be very inconvenient to operate in practice. If the place where you spend money and the place where you check out are not in the same place (sometimes it may be far apart), then the customer must personally enter the password to realize the transaction, which is often time-consuming and laborious. Secondly, all kinds of fraudulent activities involving bank cards have been endless, and many cardholders have suffered losses because of the leakage of card passwords. If the password is leaked, there is naturally no security. To ensure the security of using the card, we must first ensure the security of the password itself. If the key is given to that person, no matter how strong the lock is, it is useless. How to avoid password leakage? In fact, it is not complicated, that is, never disclose your password to anyone, never use passwords that are easy to "guess", never visit suspicious websites, never trade in suspicious or unsafe places, never use the same password as credit cards in mailboxes, websites and other places, and always change passwords. At present, banks in Heyuan (such as ICBC) have launched the service of "password is required for transactions above the quota, and signature is required for transactions below the quota", which is better than simply using password transactions or signatures, and is actually a combination and "balance" of the two. I think this way is the best way at present. There are three advantages: first, the usual small transactions do not need passwords, which simplifies the transaction process; Second, it reduces the number of password input in public places, which objectively reduces the chance of password being "peeped"; Third, even if the card is stolen, it can limit the amount of stolen credit to a certain extent and reduce losses. In addition, it is strongly recommended that you open the consumer SMS reminder function. SMS reminder can help cardholders find stolen cards as soon as possible and report the loss in time. (Zhou) According to